At the latest, you can start preparing and writing papers with extra points for insurance research at least a few months before the application deadline. Generally speaking, it is best to start preparation about one year in advance, so that you can have enough time for research and writing.

Here are some writing techniques:

1. topic selection: choose a topic that is related to your major and has research value. You can consult your tutor or refer to the research hotspots in related fields.

2. Literature review: Before writing, you should make a full literature review to understand the existing research results and opinions and provide theoretical basis for your own research.

3. Research methods: Choose the method and experimental design suitable for your own research topic to ensure the feasibility and scientificity of the research.

4. Data analysis: statistical analysis of experimental data, using appropriate statistical methods and tools, and drawing accurate conclusions.

5. Clear structure: The structure of the paper should be clear, including introduction, literature review, research methods, experimental results, discussion and conclusion.

6. Language expression: the language of the paper should be accurate, concise and fluent, avoiding colloquial expression and typos.

7. Citation norms: When a paper quotes other people's research results, it should follow academic norms and correctly quote references.

8. Review and modify: After completing the first draft, you can ask a tutor or a professional to review and modify the draft and put forward valuable opinions and suggestions.

9. Time management: arrange time reasonably, make a writing plan, and ensure that the paper is completed and revised on time.

In a word, the writing of bonus papers for insurance research needs sufficient preparation and time management, and at the same time, we should pay attention to the requirements of topic selection, literature review, research methods, data analysis, and language expression and citation norms.